Best Cheap Auto Insurance in San Diego 92104

About 120 miles south of Los Angeles, San Diego is known for its extensive beaches, military presence and health care and biotechnology industries.

The San Diego area was first inhabited by the Kumeyaay Native American tribes. Spanish explorers, including Juan Rodriguez Cabrillo, arrived in the area during the 16th century, but did not settle the region.

From there, the city grew its economy through trading of goods (hides, wine and grain). The area became a U.S. territory after the Mexican-American War in 1848.

San Diego’s population fluctuated during the 1800s, but ultimately grew after the building and establishment of the Pacific railroads.

During World War I, Congress chose San Diego as the site for the War Department's Army division in the Southwest region of the U.S. From there, Camp Kearny was established. By World War II, San Diego’s military establishments grew and the city became known for its Navy and military presence.

Armed with both the military and tourism industries, San Diego would overcome its economic struggles to continue redevelopment and growth of the city.

San Diego is home to Padres (MLB). From 1961 to 2016, San Diego also had a NFL team, the Chargers, who have since relocated to Los Angeles. In addition, San Diego is home to two Division I universities including San Diego State and the University of San Diego. The annual Farmers Insurance Open (PGA Tour) is held at Torrey Pines Golf Course.

Insurance Discounts in San Diego

In California, a good driving record can earn you auto insurance discounts — up to 20 percent — under California law (Prop 103). Common insurance discounts from car insurance companies include:

Good student

Multi-car

Multiple policy

Automatic payment

Bundling auto with homeowners or renters

Paid-in-full

Remember that the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in San Diego

The San Diego climate is classified as a Mediterranean climate. The annual high temperature is 69.8 degrees and the annual low temperature is 57.5 degrees. Summers are warm and dry and winters are mild and wet. Most of the annual precipitation comes between December and March. The weather often varies between neighboring towns in San Diego, as it’s cooler near the coast and hotter the more inland you go.

San Diego, like other Southern California cities, deals with gridlock traffic along major freeways. Be sure to check the weather and traffic reports before traveling.

Crime Statistics

According to the 2015 Crime in the United States report, California had 1,024,914 accounts of property crime and 170,993 accounts of vehicle theft.

California Driver’s License

As a legal resident of California, you’ll need to obtain a California driver’s license. Those with a valid out-of-state license will need to make an appointment before visiting a DMV office as well as be required to pay an application fee and will need to pass a vision and written exam.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of California residency and proof of your Social Security number.

Seat Belt Laws

Seat belts are required for all drivers and passengers in California.

California law requires that all children under the age of 8 be properly restrained in an appropriate child seat in the backseat of a vehicle. However, children weighing 40 or more pounds or standing 40 or more inches taller are exempt. Children under 2 must ride rear-facing in an appropriate child passenger safety seat.

Cell Phone & Texting Laws

In California, drivers cannot call or text on a handheld device while driving.

Odd Law

In California, it’s unlawful to let a dog pursue a bear or bobcat at any time.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud.

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.